Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$21,800Cash toward the purchase price.
Closing costs + prepaids$9,790Not just lender fees.
Before credits & paid funds$31,589The complete starting cash picture.
Estimated remaining funds due at closing
$31,589No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,799.54
Your down payment$21,799.54
Closing costs + prepaids$9,789.63
Total buyer cash needed$31,589.17
Remaining funds due$31,589.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,949.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$696.25
Prepaid interest, first (27 days)$919.38
Fees + prepaids$9,789.63
Your down payment is the seller’s equity. You take over the $173,100 balance, so the rest of the $194,900 price is paid at closing. A second mortgage can cover part of it. $31,589.17 is due at closing. Uses and sources reconcile at $204,689.63 each. Not a Closing Disclosure.